It provides a Comprehensive medical and non-medical insurance coverage for up to 2 years for Indian students travelling to study abroad. It covers much more and cost much less than the medical covers available in abroad. There are plans available without medical cover in case the university/college provides health cover itself.

Some of the Plans even provides following extra benefits which are sometimes required for university compliant

1. Treatment for mental and nervous disorders including alcoholism and drug dependency
2. In-patient medical expenses related to pregnancy
3. Medical expenses for inter-collegiate sports injuries
4. Cancer screening and mammography expenses
5. Childcare benefits
6. Covers Study Interruption and provision for a Two-way Compassionate Visit cover for parents.

Student Insurance Policy Features

Eligibility

Available for all ages between 1 month – 60 years. Most of the companies provide cover from 16 years to 35 years.

Policy Duration

Covers trips from as short as 1 day to a max of 360 days. Most of the Insurance Companies provide coverage for 365 days but there are plans available up to 730 Days.

Max Trip per Policy

Multiple trips per policy period are covered.

Pre-existing diseases

Pre-existing ailments and maternity are generally excluded. There are few companies which provide coverage in case of life-threatening situations i.e. until the insured's heath is stable.

Additional Coverage

Bail Bond, Study Interruption, Sponsor Protection, 2 Way Compassionate Visit, Dental Treatment, Medical Evacuation, Repatriation, Baggage Loss/Delay, Trip Cancellation and Interruption, etc. are also offered by different plans.

Medical Check-up

No medical check-up is required.

Renewal

Policy Can be renewed if there is no claim in the expiring policy.

Premium

Plan Premium is based upon your destination, Coverage Amount, Age and duration of Trip.

Exclusions

General Physical Checkup, pre-existing conditions, Vision (Eye Test, Eye Glasses, and Contact Lens) is not covered by any of the Plan. Besides these, there could be other exclusions which are mentioned in the policy wordings.